Moneyboxx Finance Ltd (MONEYBOXX) Q3FY26 Concall Summary - Dec-2025 Qtr
Performance Overview
- The company demonstrated steady execution of its strategic pivot towards a more resilient, secured lending model, with a significant improvement in asset quality metrics.
- Assets Under Management (AUM) stood at INR 878 crores, with an underlying AUM growth of 17% (excluding ARC transactions), reflecting momentum in the core business.
- A key strategic shift is evident, with secured loans now constituting 60% of the AUM, up from 38% a year ago, aiming for an 80% secured book by March 2027.
- Profitability showed strong growth, with Profit After Tax (PAT) increasing by 77.6% year-on-year, driven by disciplined provisioning and normalizing credit costs.
- The liability profile was significantly strengthened by raising a record INR 302 crores in calendar year 2025, leading to a reduction in the average cost of funds to 12.7% and a marginal cost of 11.8%.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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